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Shalini

Shalini Singh  |138 Answers  |Ask -

Dating Coach - Answered on Jun 23, 2023

Shalini Singh is the founder of andwemet, an online matchmaking service for urban Indians living in India and overseas. After graduating from college as a kindergarten teacher, Singh worked at various firms specialising in marketing strategy, digital marketing and public relations before finding her niche as an entrepreneur. In 2008, she founded Galvanise PR, an independent communications and public relations. In 2019, she launched andwemet.
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Asked by Anonymous - Jun 16, 2023Hindi
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Relationship

Hi Madam, I am 36 yrs old girl, working in central govt, I lost my parents long back, all my siblings are elder & busy in their family, brothers doesnt even talk to me, so there is no one who is seriously finding boy for my marriage, I tried through matrimonial apps, it didnt work. Based on my colleague advise, I tried through dating apps but nobody is genuine there, most of them are looking for hook up. Finally I found one guy who is 3 years elder than me but come to know within 3months that he too married but we are in touch through calls & msgs from past 6 years, since I stay alone at quarters, he met me more than 30 times at my place, even spent nights with me but never forced me for anything that I dont like. I love him a lot but he is married so I dont want have physical relationship with him but I too have biological urges but I am scared of getting pregnant or even loosing virginity which might affect my marriage, at the same time I dont have any hopes left on my marriage. This guy has lots of patience , we meet, drink together , do all things except intercourse , could you pls advise me whether I should have sex with him? also I stopped using dating apps as I love this guy.

Ans: I read your question a few times...I will respond it in 3 parts
Part 1:
Current relationship with someone who is not available - You are 36 and are smart to take life decisions. You can do as you wish but incase you get intimate - keep it to that only. Do not let your emotions come to play and get used to him - treat this relationship as a casual relationship which it is already. As for getting pregnant - take precautions, but more than pregnancy you should be worried about STD's hope this man is clean. As for you stopping your search because of this man - Remember - He is NOT AVAILABLE - so rethink why are you being available for someone who is not available to you. You and only you are responsible for your current situation. You have the mind to decide if you wish to continue to know or him or stop this relationship.

Part 2:
Finding someone compatible/ likeminded can become easy if you are (a) not in a hurry (b) know your dealbreakers and negotiables (c) feel confident and good about yourself...if you have these things in place then you would need patience and with that you will find your person - online or offline.

Part 3:
Its unfortunate you lost your parents - a virtual hug coming your way. While parents and sibling do help in introducing their people to others its wrong to Expect them to help - its your relationship and its ok to find your person, in fact its awesome to do so.

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Asked by Anonymous - Apr 09, 2024Hindi
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Hello madam, i m 32 year married women, my husband love me more than anything, he is good in everything, he take care of me, he bring me whatever i want, he is very good in bed also. We dont have kids because i never loved my husband. Before marriage i had boyfriend, he never accepted me and assured me that he will marry me, so i decided to marry my husband in 2019. Till oct 2022, i used to communicate with my ex boyfriend, but when he got married he stopped calling me and i also stoped thinking about him. Lately, in Sept 2023, i meet guy in my office he is 23, music teacher, not so good looking, not completed graduation, not financial strong but i developed feeling for him. I lied to him, told i am not married, to get close to him. Once my husband caught me cheating with him in whatsapp messages, told me to not do. But still i went ahead to continue my relationship with this young guy and want to live with this guy. I want to divorce and live with young guy. My parents and family love and respect my husband like their own son. I am doing correct or not please suggest me.
Ans: No you certainly are not “doing correct”! Here’s a good man who loves you and treats you well and has forgiven your indiscretions and still you want someone else? You agreed to marry, right - no one put a gun to your head. Now honour that commitment and stop being so fickle-minded. At 23, your boyfriend is really young and immature. Right now you’re all hot and heavy, but give it a minute; realistically your relationship is unlikely to survive in the long run. And you want to hurt your husband and walk out on your marriage for nothing…he’s only ever treated you right. Don’t be a fool!

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T S Khurana

T S Khurana   |197 Answers  |Ask -

Tax Expert - Answered on Nov 23, 2024

Asked by Anonymous - May 11, 2024Hindi
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Money
Can you please suggest on capital gains as per Indian taxation laws arising in the below two queries : 1) property purchased with joint ownership, me and my wife’s name in 2015 at a cost of 64,80,000, housing improvements done for the cost of 1000000 and brokerages of 200000 paid and sold the same property at 10000000 in Dec 2023? 2) 87% of the proceeds got from the deal i.e 8700000, have been reinvested to pay 25% amount in purchasing another joint ownership property in Dec 2023, 3) I have invested in another under construction property in Nov 2023 by taking housing loan, which is on me and my wife’s name worth 1.4 cr, here the primary applicant is me only while wife is just made a Co applicant in the builder buyer agreement and also on the housing loan . So what are the LTCG tax liabilities arising from the above 3 scenarios for FY 2023-2024 and FY 2024-2025. I intend to sale off the property acquired in (2) by Dec 2024 and use that proceeds to close the housing loan for the property acquired in (3), will this sale of property be inviting any tax liabilities if the complete proceeds received from the sale of the property in (2) would be utilised to close the housing loan taken in Nov 2023 for the property in (3) ? Since in FY 23-24, I would be claiming the LTCG from the sale proceeds of 1) invested in the purchase of property in 2), and I intend to sale off this property in Dec 2024, will the LTCG claim be forfeited on the property sale in (1), should I hold this property at least for further 1 year so that sale of this property in 2) will not invite STCG?
Ans: (A). Let's first talk about F/Y 2023-24 :
You jointly sold a Property during the year for Rs.76.80 lakhs (64.80+10.00+2.00), & sold the same for Rs.100.00 lakhs.
You have jointly also purchased Property No.3 (I suppose it is Residential only), for Rs.140.00 lakhs.
You should avail exemption u/s-54 & file your ITR accordingly. Please disclose all details about sale & purchase in your ITR.
02. Now coming to the F/Y 2024-25 :
You intend to Sell Property No.2, which was acquired in 2023-24. Any Gain on Sale of it would be Short Term capital Gains & taxed accordingly.
Alternatively, you may hold this sale of property no.2 (for 2 years from its purchase) & avoid STCG
You are free to utilize the sale proceeds in a way you like, including paying off your housing Loan.
Please note to avail exemption u/s 54 only from investment in property no.3 & not 2.
Most welcome for any further clarifications. Thanks.

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